Commercial and Residential Credit Analyst

Commercial and Residential Credit Analyst
International Bank
Up to £75k
City Based

My client a well-structured, well established international bank is looking to appoint a senior commercial and residential credit analyst/credit underwriter to help with a real estate focused portfolio. They are looking to grow the debt portfolio within the commercial real estate universe with a focus on Hotels, Care Homes, Student Accommodation and BTL. They need UK experience and an understanding of the commercial real estate sector. 

Responsibilities

• Assess the creditworthiness of current and prospective Clients to determine the level of risk.
• Write recommendation reports and present to Credit Approval Committee.
• Evaluate a client’s financial statements and credit reports to determine the ability to service debt obligations.
• Assess the quality of credit proposals providing feedback to the frontline and Head of Credit.
• Identify potential enhancements and streamlining to the credit application and approval process.
• Ensure loan applications comply with the Bank’s Credit Policy and Appetite.
• Adherence to regulatory guidelines.  
• Act as a sounding board to the frontline on lending proposals.
• Establishment of strong working relationships at all levels
• Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis.

Skills Required

• Minimum 5 years UK experience of approving loans to trading businesses (Hotels, Care Homes, Retail etc) and Real Estate (Buy to Let and Development)
• Good decision making based on data
• Presentation skills
• Regulatory compliance knowledge and understanding of industry best practices. 
• To work efficiently and to timelines
• Experience in producing MI using Excel